| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 12.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE., STE. 400 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $643 | $643 | 1.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $20 | $20 | 0.03% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.12% |
| KME INSURANCE BROKERAGE, INC.3 Filed as: KME INSURANCE BROKERAGE INC | 125 S WACKER DR., STE. 300 CHICAGO, IL 60606 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.53% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL BARTMAN | 111 N CANAL ST, STE 550 CHICAGO, IL 60606 | PRINCIPAL LIFE INSURANCE COMPANY | $213 | $0 | $213 | 0.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: ASSURANCE, A MARSH & MCLENNAN AGCY | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | EYEMED VISION CARE | $2K | $0 | $2K | 10.90% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $79 | $1K | 13.48% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $340 | $134 | $474 | 5.06% |
| YESENIA A SANCHEZ3 Filed as: YESENIA A HERNANDEZ | 6715 S KEELER AVE CHICAGO, IL 60629 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $113 | $29 | $142 | 1.51% |
| JANTELLE LAVONNE BONNER3 | 99 N POST OAK LANE, APT 5302 HOUSTON, TX 77024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $106 | $13 | $119 | 1.27% |
| ELAISIUS BONNER3 | 974 ROSEFIELD LANE AURORA, IL 60504 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $77 | $0 | $77 | 0.82% |
| CLARICE R MIMS3 | 17290 HIGHLAND AVE, APT 2B JAMAICA, NY 11432 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $45 | $5 | $50 | 0.53% |
| VALUE ADDED SOLUTIONS3 | 1161 HERITAGE CT SUN PRAIRIE, WI 53590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $16 | $27 | 0.29% |
| DAVID J MCCLELLAN3 | 118 ROYAL HORSE WAY REINHOLDS, PA 17569 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $18 | $24 | 0.26% |
| TEKAYLA WORKS3 | 115 VILLAGE BEND DRIVE ALEXANDER, AR 72002 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.21% |
| BARBARA J LAKE3 | 226 N HIGH ST MORRISTOWN, IN 46161 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13 | $3 | $16 | 0.17% |
| NORMAC SOLUTIONS INC3 | 449 HOPKINS ROAD TOWNVILLE, SC 29689 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.15% |
| MICHAEL BLOCK3 | 16619 S PINECREEK DRIVE LOCKPORT, IL 60441 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.12% |
| REBECCA STERNBERG3 | 374 MILFORD RD DEERFIELD, IL 60015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.10% |
| THE FRANCIS GROUP LLC3 | 2241 IRONDALE DRIVE BENTON, AR 72019 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $3 | $4 | 0.04% |
| DAVID TODD WEINSTEIN3 | 7862 WEST IRLO BRONSON MEM HWY KISSIMMEE, FL 34747 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.04% |
| PATRICIA A DUNCAN3 | 520 WHEATFIELD RD. FRANKLIN, NC 28734 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.03% |
| CHARLES DON SCHAEF3 | 17106 WATERVIEW MEADOW BLVD ROLAND, AR 72135 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.02% |
| JEFFREY LUXENBERG3 | 307 LONGTREE LANE LOGANSPORT, IN 46947 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.02% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 185 | $20K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 379 | $62K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 379 | $62K |
| Long-term disability(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 379 | $88K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 379 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 379 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.